Foreign National Loans With Fast and Hassle-Free Funding

Foreign National Loans With Fast and Hassle-Free Funding

Foreign National Loan Program By LendSure

The Foreign National Program by LendSure is tailored to the unique challenges foreign nationals have funding loans. LendSure’s team of highly experienced professionals are experts in navigating foreign national credit and asset verification issues, so loans fund on time and with a minimum of hassle.

  • Income verification letter from employer or CPA accepted
  • No tax returns required
  • Foreign credit report allowed
  • Highly competitive rates
  • Unsurpassed funding times
  • LTVs up to 75%
  • Only 30 days’ sourcing and seasoning of assets for LTVs up to 50%
  • Various Visa types accepted

Foreign National Program Guidelines

Borrower Type

A non-US citizen authorized to be in the US on a temporary basis.
Visas: B-1,B-2, F-1 (subject to senior mgmt approval) H-2, H-3, I, J-1, J-2, O-2, P1, P2. Visa must not be expired.

Income Documentation

Verification of earnings past 2 years

US Credit

Minimum FICO: 620
Mortgage DQ History: 0x30x24
Credit Event Seasoning: Bankruptcy, Foreclosure, Short Sale, Loan Modification: 36 months.
Credit History: 3 active tradelines, 2 year history


Second or Non-Owner Occupied. Certification of intent not to occupy is required.

Foreign Credit

Mortgage DQ History: 0x30x24, unless ≤ 50% LTV
Credit History: 3 open tradelines. 2 year history no lates
Max LTV: 70%

Maximum Cash Out

$500,000 for ≤ 60% LTV
$250,000 for ≥ 60% LTV
$100,000 for > 65% LTV

Reserve Requirements

6 months PITI. Foreign assets can be used with 60 day seasoning.

Asset Verification

Sourced and Seasoned 60 days in financial institution

Loan Amounts

$1,000,000 for maximum 60% LTV
$750,000 for maximum 75% LTV

Prepay Penalty (Investor only)

24 months Prepay

Loan Terms

30-Year Amortized & Term – 5/1 or 7/1 Hybrid ARM or 30-Yr Fixed
All Loans require impounding for Taxes & Insurance

Index & Adjustment Caps

Margin: 6.95% Index: 1-Year LIBOR Floor: Start Rate
3.0% Initial Change Cap / 2.0% Annual Cap / 6.0% Life Cap

Qualifying Rate

Higher of Note Rate or Fully Indexed Rate

Secondary Financing

Not Allowed

Property Types

SFR / Condos / PUD / Townhome / 2-4 Unit.
No Texas properties > 10 acres.


Case by case basis

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